Chad Fowers
Utah Mortgage Loan Originator • NMLS #1332276
I'm a Utah local, a husband and father, and someone who genuinely likes helping people make sense of one of the biggest financial decisions they'll make. Mortgages are confusing on purpose sometimes — my job is to make yours make sense before you sign anything.
I work as an individual loan originator sponsored by Fidelity First Funding, Inc. (NMLS #3142), and I speak both English and Spanish, so language never has to be a barrier to understanding your own financing.
Outside of work, you'll usually find me on a golf course or a pickleball court, or nerding out about real estate and investing — which, admittedly, is a big part of why I like this job.
The short version of my philosophy.
Understand your credit, cash, and income before you get emotionally attached to a house. That order matters more than people think.
I'll tell you the truth, even when it's not what you want to hear
If the payment doesn't make sense for your budget, I'll say so — even if you technically qualify for it.
I work across Utah
With particular familiarity in Weber County, Davis County, Box Elder County, Cache County, Salt Lake County, Utah County, Summit County — but I work with buyers statewide.
"Not ready yet" is a fine answer
Some of the most useful conversations I have end with a plan for six or twelve months from now, not an application today.
Ready to talk through your situation?
Call, text, email, or start with the readiness assessment — whatever's easiest for you.